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Examen

LAH Insurance Licensing Test Bank and Study Resource 2025
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58

octubre 2025

2025/2026

A+
All of the following statements regarding annuities are true EXCEPT A) an annuity is classified as immediate or deferred, depending on when benefit payments begin B) the annuitant is always the same person as the owner of the annuity C) straight life annuities provide income as long as the annuitant lives D) the surrender charge serves as a back-end load when the annuity is canceled in its early years Rationale: The annuitant and owner can be different individuals (for example, a paren...
lisarhodes411
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Examen

LAH Insurance Exam Study Companion with Rationales and Explanations 2025
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87

octubre 2025

2025/2026
Pure risk refers to situations that A) Always result in financial gain B) May result in gain or loss C) Only result in loss or no change D) Are never insurable Correct answer: C) Only result in loss or no change Rationale: Pure risks involve only the chance of loss or no change, such as fire or death. They are insurable. Speculative risks (A and B) involve the potential for gain and are not insurable. D is incorrect because pure risks are the foundation of insurance coverage. Specu...
lisarhodes411
$38.49 Más información